Homeowner Loan

Low rates for big ideas

For all members

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Maximum loan term – 5 years

Interest rates
Interest rate 6.4% APR

Low rates for big ideas!

If you’re a homeowner and are looking to borrow, our brand-new Homeowner Loan is designed just for you! Whether you have a mortgage or own your home outright, our Homeowner Loan could be the boost you’re looking for.

Our Homeowner Loan is for any purpose. Whether you’re looking to make some home improvements, booking a dream holiday, buying a new car or anything else – lock in low rates for your big ideas now.

Homeowner Loan at a glance
  • Borrow between £10,000 – £25,000, subject to affordability
  • Competitive interest rate of 6.4% fixed APR
  • Save as you borrow, so you’ll have a lump sum when you’ve repaid your loan
  • Easy to apply, with options for everyone
  • Apply to Top Up when repaid 50% of your Homeowner Loan.

Please Note: If applying to Top Up, please apply for the amount you are topping up by, when completing the application. If approved, this amount will be the extra amount you receive.

Benefits of a Homeowner Loan
  • No application fees or hidden charges
  • No penalties for early repayments, so repay early & you’ll save interest
  • Affordable loan repayments through payroll deduction, or alternatively by direct debit
  • Apply to Top Up when repaid 50% of your Homeowner Loan.
  • Convenient weekly, 2-weekly, 4-weekly or monthly repayment, tailored to suit your budget
  • Save as you borrow, so you’ll have a lump sum when you’ve repaid your loan
  • Savings continue to attract dividend payments* whilst repaying your loan

*Dividends are not guaranteed. The rate payable is dependent on financial performance and voted on by members at the Annual General Meeting.

Loan Calculator

Use our loan calculator to see how much you could borrow and how much you would pay back.

Loan Calculator

Loan FAQs

For help and guidance on applying for a Voyager Alliance loan and everything you need to know to guide you through the application process.

Voyager Alliance Loan FAQs

Representative Examples

Weekly repayments

Borrowing £10,000 over 260 weeks will cost £44.75 a week. The total amount repayable is £11,635.87 which includes interest at 6.4% APR.

Monthly repayments

Borrowing £20,000 over 78 months will cost £71.93a month. The total amount repayable is £24,311.71 which includes interest at 6.4% APR.